You can apply if you’re 18 and over and live in the UK permanently, you have an income of £7,500+ per year and you don’t already have another Santander balance transfer credit card. All credit is subject to status and credit checks.
Everyday No Balance Transfer Fee Credit Card
Want to check whether you’ll be accepted? Use our eligibility checker to find out, it only takes a few minutes and won’t affect your credit rating.
- 0% interest on balance transfers for 18 months from account opening
- No fee to transfer a balance for the first 18 months
- 0% interest on purchases for 3 months from account opening
Representative example
Representative 20.9% APR (variable )
Purchase rate 20.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0
How it works
You must make at least the minimum payment each month.
- You can transfer balances from £100 up to 95% of your credit limit.
- You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
- At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 20.9% p.a. (variable).
We’ll carry out a credit check as part of your application. It will determine the credit limit we can offer, which we’ll confirm to you once your application is accepted. If you’d like to get an indication of your credit limit before you apply, try our eligibility checker
If you request a balance transfer as part of your application it’ll happen automatically if you activate your card within 45 days of receiving it.
At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 20.9% p.a. (variable).
Find out more about how credit cards and credit card offers work (pdf) (447 KB)
We have other borrowing options, such as overdrafts, personal loans and additional loans for our existing mortgage customers. Learn more
Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn’t a Santander customer we might be in touch to ask for suitable ID for them.
Up to 56 days interest-free period on purchases meaning that if you pay off your balance in full and on time every month, you won’t be charged interest.
Retailer Offers makes it easier to earn a little extra from a variety of Retailers. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander cards.
Giving you more - our cards also come with:
Card controls in our app
View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.
Retailer Offers
Once switched on, earn up to 15% cashback at a variety of major retailers when you use your Santander credit card.
Account alerts
We'll send you alerts when you're near your credit limit to help you avoid fees
Not sure which credit card is right for you? View all credit cards